How To Live Overseas As A Resident Rather Than A Tourist

The Un-Tourist Approach To Retiring Overseas

We lived our first two or three years in Ireland as tourists. Not intentionally, but, looking back now, I see clearly the mistakes we made.

We brought with us from Baltimore to Waterford the U.S. publishing business I’d been running for the previous 13 years Stateside. Our first priority, after we’d found a place to live and enrolled our daughter in school, was to establish the infrastructure required to transfer management of that publishing operation from the States to Ireland. We needed office space, office furniture, and computers. We needed to hire staff, to open a local corporate bank account, and to engage a local attorney, local accountants, and local auditors. We needed to set up payroll, to put employee contracts in place, and to source new vendors. Between renovating our new home, managing our own relocation adjustments, and addressing these start-up business requirements, we had no time to invest in becoming Waterfordians.

When family and friends from the States came to visit, we’d take them to nearby Bantry Bay for the weekend or to Dublin for a day of shopping and museums. We’d do the tourist thing. When they went home, we went back to business. We traveled internationally often, then as now. We came and went so regularly during our time in Ireland that the immigration officials at Shannon and Waterford airports came to know and greet us by name.

It’s no wonder, then, that we managed to remain tourists in our adopted hometown for years. If not for Kaitlin and Jack (born a year-and-a-half after our move), we might have lived our entire seven years in Ireland as visitors. Jack, though, was born Irish and welcomed at his daycare and preschool as a son of the Auld Sod. Kaitlin, too, made friends, participated in activities at school, and, long before the notion even occurred to Lief and me, she began establishing herself as a local. Kaitlin and Jack drew us into their lives. We met their teachers and the parents of their classmates, and we gained a glimpse of real Irish living.

In Paris, we made the same mistakes at first. This time I recognized from the start that we were depriving ourselves of a true Parisian experience, but we had no choice. Again, we were relocating a business, establishing an office, hiring staff. And, in Paris, we were working 12 hours a day with fellow English-speakers. We were fully insulated from the French-speaking world around us. It was not until our final year as Parisians that we felt we’d begun to penetrate the tourist level of this city. We improved our French, spent more time with local French friends, and joined in neighborhood activities–the annual June street party, for example, when our rue de Verneuil ropes itself off, lays red carpets on the ground, and sets up tables for pot-luck French-style–we hadn’t had time for previous years. As my friend Rose explains, it can take a lifetime to penetrate the French culture, but, our final year living in this country, we enjoyed a clearer view beneath the surface.

In Panama, we’ve worked hard not to repeat the errors of our past lives overseas. Four years on in this country, we’re more fully integrated than we ever were in Ireland or Paris. Here we arrived as full-time residents with an advantage. We’d been spending time and doing business in this country for more than a decade before we settled in more permanently. Again, we’ve established a business, hired staff, etc., but we had resources in place to help with this, local friends and contacts who made the getting-settled phase easier to navigate.

At home now in Panama City, we dine and drink where the locals do, and, in these places, carefully guarded secrets from the tourists, we’re welcomed as regulars. We run into friends at markets and fairs, and we’re invited to help them celebrate weddings, birthdays, and anniversaries. We still stand out as gringos when we walk down the street, but we’re doing our best to blend in otherwise, and we’re being rewarded with a chance to experience la vida Panameño.

The key is to make local friends. You want expat friends, too, of course. You want to know fellow English-speakers you can call for a round of golf, a game of bridge, or a drink after a particularly frustrating day in the land of mañanas and fiestas. But try not to give in to the temptation to spend all your time with fellow foreigners. They won’t be able to show you what local life is really like. You can live overseas for years, as we have, without gaining that knowledge, but you’re doing yourself a disservice. Why go to all the trouble of relocating to another country only to miss out on the chance to get to know what living in that place is really like?

How do you get started penetrating the tourist barrier? You understand and embrace the local customs and etiquette. This is a simple but effective first step. Much of the rest of the world is more polite and takes manners more seriously than do we Americans.

In much of the world, it’s impolite not to greet everyone and anyone you encounter throughout the day. In France or Panama, for example, walking in and out of a shop, getting on and off an elevator, entering and exiting a movie theater, an art gallery, or a café, you’ll be thought very rude if you don’t offer the appropriate greetings and farewells.

Before you arrive in your new country, therefore, make an effort to know these phrases. Bonjour, salut, au revoir, a bientot, and bonne nuit…Buenos dias, Buenos tardes, hola, hasta luego, and ciao…know a handful of polite phrases and understand how and when to use them. Panamanians, for example, switch from Buenos dias to Buenos tardes around noon and to Buenos noches when the sun goes down.

The French will think you mal-eleve if you do not offer a merci and an au revoir to every person you encounter when making your way out from a shop. Every single person, at least once. As you walk out the door, you might offer a final, general, “merci, au revoir” to the entire place. My friend John tells of an experience he had early on during his time living in Paris, when he offered but a single “merci, au revoir” to the cashier in the bakery where he stopped to buy baguette on his way home. He said thank you, good-bye, then walked out the door. The proprietress of the shop was so appalled by my friend’s obvious lack of acceptable manners that she followed him out in to the street lecturing him on proper social conduct. In France, when in doubt, it never hurts to offer one more “merci” for the road.

The point is to make an effort to show your respect for the local customs. This small thing will ingratiate and open doors for you. It’s the start of penetrating the tourist barrier and becoming part of the local scene.

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.